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Virgin Money: Mortgages reviews

Name: Mortgages
Rating: 3.37 (90 reviews)

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3.28

Based on 90 reviews, last reviewed 26th Feb 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

49%

11%

33%

Latest highest rating:

5

We have a flexible repay mortgage interest only - so... We have a flexible repay mortgage interest only - so helpful when you are self employed Reviewed on: 26th February 2025

Latest lowest rating:

1

Took over £1000 in error from us Virgin mortgages took £1,169.30 in error from my current account. No apology, no compensation. We are now in are over draft and after trying to get th... Read more Reviewed on: 5th January 2024

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About this product

Virgin Money provides a range of financial services, including mortgages. It’s important to understand the Ts and Cs and interest rate of a mortgage. Remember to consult the lender or an independent advisor if you have any questions or need help understanding your options.

Your home is likely the largest financial purchase you’ll make in your lifetime. Therefore, it’s important that you find the right mortgage lender and product. We collect Virgin Money mortgage reviews to help you make an informed decision when taking out your mortgage.

If you’re considering Virgin Money as your new mortgage provider, learn more on the Smart Money People site. Find out why homeowners chose Virgin Money and which mortgage they have. Learn about the application process and whether it ran smoothly or perhaps took longer than anticipated. Read about any challenges they may have experienced throughout their time with the provider. All of this and more can be found in our Virgin Money mortgage reviews.

Did Virgin Money help you purchase your home? Share your honest experience with others by writing a review. Tell us what mortgage you took out and why you chose Virgin Money. Share your experience with the application process - was the lender supportive throughout? Has the lender kept you well informed of any important mortgage news or changes? Would you recommend Virgin Money mortgages to your family and friends? Whether good or bad, write a Virgin Money mortgage review today. Together, we can help people like you make better financial decisions.

Virgin Money Mortgages reviews (90)

Review of the Virgin Money, Mortgages:

We have a flexible repay mortgage interest only - so...

We have a flexible repay mortgage interest only - so helpful when you are self employed Reviewed on: 26th February 2025

All-round competence

Their communications are clear, and they anticipate one's needs. Their rates are also quite competitive. Reviewed on: 24th May 2024

have always had a pleasant experience.

have always had a pleasant experience. Reviewed on: 15th April 2024

Took over £1000 in error from us

Virgin mortgages took £1,169.30 in error from my current account. No apology, no compensation. We are now in are over draft and after trying to get through 3 times, finally we’re told it was a glitch in their system and it would be refunded in 10 working days. Not good enough. Very unhappy customer Reviewed on: 5th January 2024

Loss for words

I will never use Virgin Mortgages again and will NEVER recommend. My husband has the mortgage of our home in his name solely. We would like me adding to it. No additional borrowing. They have now decided that our 2 incomes As opposed to just his one means we now can’t afford it! How is this even possible!! A total shambles. DO NOT USE Reviewed on: 9th June 2023

They are ok

Virgin money gave the best rate at the time but were quite tricky to get to a final acceptance stage and their online platform isn't very easy to use or stable. Overall ok Reviewed on: 1st June 2023

Worst mortgage company ever

This company offers the worst service possible impossible to get in touch with them via the phone lines are still closed at 09:30 when online it says open at 08:00 and they never respond to any of your queries unless you keep chasing them. Wouldn’t do business with them again if they paid me to Reviewed on: 5th April 2023

Really poor customer service

Communication is patchy, product range difficult to understand, website is clunky and feels like it was designed in the 90s. Reviewed on: 3rd April 2023

Give up.!!!!

Virgin money ...what they tell you and what they do is completely different! 3 times I've phone to rectify a mortgage issue .3 times I've clarified the outcome to the point of simplicity....3 times the correspondence states something completely different !! Be glad to pay my mortgage off as seems no one knows what they are doing !! Reviewed on: 24th February 2023

One Account

An offset mortgage really helps you reduce your mortgage quicker if you stay in the black and nice to have an automatic overdraft when you can't Reviewed on: 2nd February 2023

Worst mortgage provider ever

Do not recommend using this company for mortgages, we have an application for a remortgage on our property and they have honestly been hell to deal with, on going complains since June/july, still not sorted. The underwriters are idiots, the staff don’t know what the hell they are doing, taken us about 53 hours so far and still not sorted, despite excellent credit, preapproval for money back, great books, they are now asking for books that are due in January 31st, irrelevant to our application that aren’t even legally due in, have made a huge complaint to the financial obudsman and they are even having to compensate us all the interest for that last 3 months and still they can’t do there jobs right, AVOID AVOID AVOID! Reviewed on: 16th January 2023

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